17440 Plaza Otonal
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17440 Plaza Otonal

D

Rancho Bernardo, CA 92128

$650,000
NEW — 5d

Beds

2

Baths

2

Sqft

1,431

Year Built

1978

Days on Market

5

Property Type

Condo

HOA/mo

$645

MLS ID

260012289SD

This property is in Rancho Bernardo (92128). View neighborhood stats →

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About This Property

Beautiful golf course and hillside views set the stage for this light-filled and spacious 2-bedroom, 2-bath condo with an additional flex room perfect for a home office, den, or guest retreat. Nestled in the highly desirable 55+ community of Oaks North in Rancho Bernardo, this beautifully updated home offers fresh interior paint and new flooring throughout, creating a warm and inviting atmosphere from the moment you enter. The thoughtfully designed layout features a kitchen that opens to both the dining area and living room, offering an easy flow for entertaining and everyday living. The expansive living room is centered around a cozy fireplace, while large windows and sliding doors fill the home with natural light and frame the stunning views from nearly every room. Step outside to the private balcony and enjoy peaceful mornings or relaxing evenings overlooking the golf course and rolling hillsides. Additional highlights include in-unit laundry and a 1-car garage. Residents enjoy membership to the RB Swim & Tennis Club featuring a pool, spa, fitness center, tennis and pickleball courts, and a vibrant calendar of social activities. Ideally located near the Rancho Bernardo Inn, Bernardo Winery, multiple golf courses, scenic San Pasqual Valley, shopping, and dining, this exceptional home offers the perfect blend of comfort, convenience, and the relaxed Rancho Bernardo lifestyle.

Mortgage Calculator

Est. Monthly Payment

$4,771

Principal & Interest$3,287
Property Tax$650
Insurance$190
HOA$645
%($130,000)
%

Location

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Investment Score

20D
Est. Monthly Rent
$2,756
Monthly Cashflow

Rent − PITIA

$-2,016
Full Cashflow

Incl. vacancy, PM, maint, capex

$-3,191

Mortgage (P+I)
$3,287
Cap Rate
0.18%
Cash-on-Cash
-29.46%
DSCR

Need ≥ 1.25 for DSCR loan

0.58
Break-even Rent
$6,901

NOI (Annual)
$1,145
Price-to-Rent

Lower = better for investors

19.7

* Defaults: 20% down, 6.5% rate, 30yr.

Estimates only. Not financial advice. Verify all figures independently with a licensed professional before making any investment decision.

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